Side-by-side · Q2 2026 data
Pacific Horizon Credit Union vs Members First Credit Union
Metric by metric
| Measure | Pacific Horizon Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 53 | 95 (stronger) |
| Capital cushion | 43 | 99 (stronger) |
| Loan quality | 40 | 86 (stronger) |
| Earnings | 58 | 93 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 70 | 97 (stronger) |
| Peer percentile | 9th | 98th |
| Total assets | $141.4M | $209.1M |
| Deposits / shares | $127.7M | $175.7M |
| Capital ratio | 9.30% | 14.91% (stronger) |
| Problem loans | 1.81% | 0.43% (stronger) |
| Net charge-offs | 0.62% | 0.10% (stronger) |
| Return on assets | 0.95% | 1.82% (stronger) |
| Loans ÷ deposits | 85.5% | 54.8% (stronger) |
| Uninsured deposits | 6.9% | 5.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members First Credit Union has the higher TellerScore (95 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Pacific Horizon Credit Union leads on 0 and Members First Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.